I come to you to try to get some help resolving an insurance issue.
I have been with Allstate since 1989 for my flood and homeowner insurance. Through Allstate we changed underwriter insurance companies at least 5 times. The last one was Poe, but Poe declared bankruptcy. Allstate got me an agent in Boynton, Makram (Marie) Kamel of Florida Federal Insurance Inc, 1240 S Federal HWY, Boynton Beach, FL 33435, with underwriter Universal Insurance Company, P.O. Box 901036, Fort Worth, TX 76101-2036, or P.O. Box 45-9021, Sunrise, FL 33345-9021. Policy number UICH0062577. We have had this insurance since July, priced at $2578.00.
In July the insurance went up, and we paid $2886.00. The reason? The agent could not explain. On August 17, I got a phone call from Marie telling me that she had gotten me a really good deal with an underwriter, Universal Property and Casualty Insurance Company, 1110W Commercial Blvd Suite 100, Fort Lauderdale, FL 33309, with policy number 592-421-138, for $1600.00 for the year. I asked her if she was sure about the price, and she said absolutely. I sent a check on August 20 to pay for that new insurance.
On September 12, I received a letter from that new insurance company saying that my premium was $4074.00 for the year. I was in school learning to become a truck driver. I asked Marie what was going on. If that was the real price, I wanted to stay with the other insurance that I had and had paid for. She said not to worry, she would call that insurance and let me know, but in the meantime I should cancel the other insurance. I told her no, not until I got a confirmation of the $1600.00 price quote. She never called me back.
On October 8, my husband called me and said he had gotten a paper from the new insurance saying that we owed $2474.00. I called Marie and asked her to get back my money, $1600.00, and cancel that insurance, and I would stay with the first one, which I never cancelled. She told me again not to worry, she was taking care of that. Then she called me saying that the second insurance did not want to insure me for $1600.00 because my house is not concrete and that someone had come and taken pictures. I told her that no one had come; my husband is retired and never saw anyone taking pictures. I sent her proof that my home is concrete and wood, and she came and took pictures. I also asked her why the other company's price was higher.
In November she called me and said that the property appraisal says wood, not concrete. I explained that the house we bought in 1989 was wood frame, but we built a 2-story house attached to the old one, and we reinforced the old house side and added stucco. My Safe Florida Home inspector came and agreed that my house has everything needed to stand any hurricane.
I called the Palm Beach tax office, and they said that if I put concrete, my tax will go up. Why should my tax, which has already doubled, go up again? We used to pay $1400.00, and now we have to pay $28897.00 in tax. Something is very, very wrong.
In November I received a cancellation letter from that second insurance (by the way, I never cancelled my first insurance). I called Marie again and asked her to get the other insurance to pay me back my check of $1600.00.
On December 20, I got a check for $319. I called Marie and asked her what that meant, where my money was, and why I was getting a check for $319.00 instead of $1600.00, given that during all that time I had insurance. Her response was, "I told you to cancel the first insurance." Thank God I did not do it, or can you believe the mess I would be in today? She said not to worry, she would take care of this.
The holidays went by. I left 2 messages, and Marie never returned my calls. My last message was that if she did not return my call, I would call Allstate. Three days later, someone called and asked me my story. At the end, the person said I should send a letter to that insurance and deal with the problem.
Do you think that you can help me resolve this problem?
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